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Fixed-Rate Conventional Mortgage

  • 10, 15, 20 and 30-year terms.
  • Loans up to 97% financing.
  • Rate stays the same for the life of the loan.
  • Loans for primary, secondary, and investment properties.
  • Jumbo products available for loans over $424,100.

Adjustable-Rate Conventional Mortgage (ARM)

  • 3, 5, 7 and 10-year initial term ARM options.
  • Fixed rate for the initial term, then fluctuates based on market conditions.
  • Loans up to 90% financing.
  • Loans for primary, secondary, and investment properties.

With so many options available, let Deseret First help find the right loan for you. Call a Deseret First Mortgage Officer at 801-456-7070 or 1-800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.

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Term Rate APR
10 Year Fixed-Rate Conventional 3.0% 3.277%
15 Year Fixed-Rate Conventional 3.25% 3.442%
20 Year Fixed-Rate Conventional 3.625% 3.776%
30 Year Fixed-Rate Conventional 3.99% 4.1%

Payment examples listed below are illustrative only and do not include amounts for taxes and insurance premiums, thus, your actual payment obligation will be greater. Additionally, your actual rate may be higher depending upon your creditworthiness.  Offer subject to change.

30-year Fixed Payment Example-Monthly payments for a $180,000 loan with an interest rate of 6.00% (6.122% Annual Percentage Rate) would be $1079.19 for 360 months.

15-year Fixed Payment Example-Monthly payments for a $180,000 loan with an interest rate of 6.00% (6.204% Annual Percentage Rate) would be $1518.94 for 180 months.
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